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Rates and Terms

Our commitment to members is that our rates should always be competitive and below market average where possible.

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Loans and Credit Cards
New & Used Auto or Motorcycle  
Term Fixed APR* as low as:
60-month term 3.24%
72-month term 3.74%
84-month term
(minimum $25,000 loan amount) 		4.49%
Members’ Auto Center or Carvana Discount: Reduce rate by 0.25% (lowest available rate 2.99%)
Insurance Discount : Reduce rate by 0.25% with qualifying policy (lowest available rate 2.99%)
Combining both discounts: Reduce rate by 0.50% (lowest available rate 2.74%)
New & Used Recreational Vehicle  
Term Fixed APR* as low as:
60-month term 4.99%
90-month term
(minimum $30,000 loan amount)		 5.49%
120-month term
(minimum $40,000 loan amount) 		5.74%
144-month term
(minimum $50,000 loan amount)		 5.99%
 
Note: Rates may vary based on loan to value.
 
Personal Line of Credit (LOC)  
  Fixed APR* as low as:
  17.99%
Closed-End Personal Loan  
  Fixed APR* as low as:
  9.25%
Fixed Rate Home Equity Loan  
Term Fixed APR* as low as:
60-month term
(minimum $10,000 loan amount)		 4.75%
84-month term
(minimum $10,000 loan amount)		 5.00%
120-month term
(minimum $10,000 loan amount) 		5.25%
180-month term
(minimum $30,000 loan amount)		 5.50%
240-month term
(minimum $40,000 loan amount)		 6.00%
Note: Rates may vary based on loan to value.
Discount: Reduce rate by 0.75% if loan is in First Lien position
Home Equity Line of Credit (HELOC)  
Term Variable APR* as low as:
10 year draw period, 15 year repayment period
(minimum $10,000 loan amount)		 5.75%
Visa Platinum Credit Card  
  Variable APR* as low as:
  9.74%
Visa Secured Credit Card  
  Variable APR* as low as:
  11.49%
First Mortgage and other loan types are available.

View full mortgage rate table and details of terms in the Mortgage Webcenter.
*Annual Percentage Rates shown are the lowest rates available on newly opened loans. Actual rates may be higher depending on a variety of factors, including borrower's credit history, year of vehicle or loan terms. Rates are effective as of December 1, 2018, and subject to change without notice.

Checking and Savings
Everything Account - minimum opening deposit of $20
Minimum to earn stated APY Annual Percentage Yield Prospective Dividend Rate
$25
$1,000
$10,000
$25,000
$50,000 		0.01%
0.05%
0.20%
0.25%
0.25%		 0.01%
0.05%
0.20%
0.25%
0.25%
Money Market- minimum opening deposit of $0
Minimum to earn stated APY Annual Percentage Yield Prospective Dividend Rate
$1,000
$10,000
$25,000
$50,000
$100,000
$250,000 		0.05%
0.20%
0.25%
0.50%
0.70%
1.00% 		0.05%
0.20%
0.25%
0.50%
0.70%
1.00%
Special Savings
Minimum to earn stated APY Annual Percentage Yield Prospective Dividend Rate
$100 0.01% 0.01%
Basic Savings
Minimum to earn stated APY Annual Percentage Yield Prospective Dividend Rate
$25 0.01% 0.01%
Holiday Club
Minimum to earn stated APY Annual Percentage Yield Prospective Dividend Rate
$100 0.01% 0.01%
Basic Account
Minimum to earn stated APY Annual Percentage Yield Prospective Dividend Rate
$100 0.01% 0.01%
Note: To open a new non-business account, an account with a minimum opening deposit of $20 is required for consumers age 18 or older. The deposit is waived for members under the age of 18. Additional services may be added to the Everything Account. Dividends accrue from date of deposit and are compounded and credited monthly based on the average daily balance and the rate assigned to the tier to which the average daily balance belongs. The dividend rate and yield may change every month. Dividends are paid from current income and available earnings after required transfers and reserves and are not guaranteed. Fees may reduce earnings.

Term Share Certificates and IRAs
Share Certificate ($500 minimum to earn stated APY)
Term Annual Percentage Yield Prospective Dividend Rate
6 Month 1.10% 1.09%
12 Month 1.40% 1.39%
24 Month 1.60% 1.59%
36 Month 1.70% 1.69%
48 Month 1.80% 1.79%
60 Month 2.00% 1.98%
IRAs ($100 minimum to earn stated APY)
Annual Percentage Yield Prospective Dividend Rate
12 month Traditional & Roth IRA 1.40% 1.39%
18 month Traditional & Roth IRA 1.50% 1.49%
60 month Traditional & Roth IRA 2.00% 1.98%
Minimum to open is $500 for Share Certificates and $100 for IRA Certificates. Dividends accrue from date of deposit and are compounded and credited monthly based on the daily balance. Withdrawal of dividends prior to maturity will reduce your earnings. Early Withdrawal Penalties for Certificates, including IRA’s, are imposed. The penalty for withdrawals is based on the amount withdrawn with a minimum penalty of $25. Certificates with terms of less than 12 months, the penalty is 1% of the amount withdrawn or $25 whichever is greater. Certificates with terms of 12 months to less than 48 months, 2% of the amount withdrawn or $25 whichever is greater. Certificates with terms of 48 months or greater, 3% of the amount withdrawn or $25 whichever is greater. Dividends are fixed for the term of the certificate. Certificates which renew automatically will receive the rate in effect on the date of renewal. There is a 10 day grace period at maturity. Non-renewals do not earn dividends after maturity.
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